Updated on February 20, 2018
Did you know that Virginia was named for England's "Virgin Queen", Elizabeth I? Did you also know that 8 of America's Presidents were born in Virginia? Most do not know, but now you do; The State flower is not really a flower, but the blossom of the dogwood tree, which is also the state tree. These are some interesting and fun facts about &quout;Old Dominion&quout;, which, if you haven't guessed it by now is the state nickname. There are many things that are not so interesting however to a retiree going on to Medicare in Virginia, but there are many important facts that have to be understood before making a decision.
There are two different kinds or types of insurance a person can elect once they have Part A and Part B of Medicare. If you do not know by now, Part A allows a person to go to any hospital and Part B allows a person to see any doctor that accepts Medicare(99.9% accept Medicare). A person can purchase a Medicare Supplement or sign them selves into a Medicare Advantage Plan.
The clearest distinction one can make about the two different kinds of insurance is the simple fact that Medicare Supplements keep Medicare as your primary insurer and fill in the gaps or the costs left behind with Part A and Part B. This means that Medicare will be the first insurance to pay, then the Medicare Supplement would pay the remainder of the bill. Understand that there is only one Medicare Supplement in Virginia that pays all of the costs left behind by parts A & B and that is Medicare Supplement Plan F. Because the plans like plan F are designed by Medicare the plans are identical from company to company.
Comparing plan f from Forethought to plan f from United Health Care; neither plan covers more or less than the other and each one allows visits to any doctor and any hospital without referral because Medicare is the primary insurer. So, if you are going to buy a Virginia Medicare Supplement aka Medigap Insurance, call us @ 1 800 218 7935, so we can show you which company will treat your wallet the best.
A Medicare Advantage Plan in Virginia technically replaces your original Medicare for a contract designed by an insurance company. The two most common types of these contracts are HMO's and PPO;'s. Traditionally, HMO's will require a person to obtain a referral and PPO's WILL NOT. Many people elect Medicare Advantage Plans if they cannot afford a Medicare Supplement. The Medicare Advantage Plans do most times come with Rx protection already built in, which will save a person from paying an additional premium on a Rx plan. To see which Medicare Advantage Plan in Virginia will suit your needs the best call an expert at Medicare Supplements Made Easy @ 1 800 218 7935.
No matter which side of the fence you fall on call us any time day or night or go to our quote engine for a FREE MEDICARE SUPPLEMENT QUOTE IN VIRGINIA.